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Throughout the 1970s, more consumer protections were added under the Consumer Credit Protection Act.It became illegal to discriminate against creditcard applicants because of sex, marital status, race or other reasons. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward –- and free. " With so many websites offering free financial tools, it can be hard to know whom to trust. We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. We're on your side, even if it means we don't make a cent.Some quoted monthly interest rates, while others used annual rates. In 1968, the Truth in Lending Act — part of the Consumer Credit Protection Act — standardized methods of calculating annual percentage rates, or APRs.But Congress passed the law only after studying the issue for eight years, according to a 1971 article in The Journal of Consumer Affairs.Today, creditcards are becoming more about credit and less about cards.Instead of using plastic cards, many consumers are using their smartphones.

Known in the industry as the “Fresno drop,” this mass mailing resulted in widespread fraud and delinquencies that cost the bank millions.

Cardholders’ liability for fraudulent charges was limited. As the creditcard industry rapidly evolved, many of these laws were amended to keep pace with current practices.

The Card Act of 2009, for example, added to disclosure requirements that already existed and added more restrictions to the Truth in Lending Act, among other improvements.

It charged merchants a 7% fee on each transaction, but assured them that cardholders would spend more than noncardholders.

It promised cardholders convenience — only one monthly bill for dining expenses! These cards required payment in full each month, so today we’d call them “charge cards.” But at the time, they were called creditcards.